GAAP to Non-GAAP Expense Reconciliation (FY'22) ($ in 000s) Twelve Months Ended June 30, 2022 Stock-Based Enterprise Warrant Restructuring and Compensation & Share Based (1) (2) GAAP D&A other Other costs Non-GAAP Expense Expenses Loss on loan purchase commitment $ 204,081 $ 0 $ 0 $ 0 $ 0 $ 0 $ 204,081 Provision for credit losses 255,272 0 0 0 0 0 255,272 Funding costs 69,694 0 0 0 0 0 69,694 Processing and servicing 157,814 604 2,431 0 0 0 154,779 Total Transaction Costs $ 686,861 $ 604 $ 2,431 $ 0 $ 0 $ 0 $ 683,826 Technology and data analytics $ 418,643 $ 40,480 $ 116,531 $ 0 $ 0 $ 0 $ 261,631 Sales and marketing 532,343 7,544 23,224 343,268 0 0 158,307 General and administrative 577,493 4,094 248,797 0 0 743 323,859 Restructuring and other 0 0 0 0 0 0 0 Other Operating Expenses $ 1,528,479 $ 52,118 $ 388,552 $ 343,268 $ 0 $ 743 $ 743,797 Total Operating Expenses $ 2,215,340 $ 52,722 $ 390,983 $ 343,268 $ 4 $ 743 $ 1,427,623 Notes: 1.Restructuring and other includes expenses incurred in the period associated with the Company's restructurings and other exit and disposal activities, which were presented separately in the income statement beginning March 31, 2023 52 2. Other costs consist of expenses incurred in the period associated with the Company's acquisitions and impairment charges. For the three months ended December 31, 2022 and earlier periods, other costs also include expenses related to exit and disposal activities, including one-time employee termination benefits 3. Metrics are unaudited